Reclaimed Bank Charges SUCCESS stories

Rex_Mundi

andrew2003 wrote:

Co-operative bank paid me in full after first letter well excluding. interest and only took 8 days to pay me do you think I should go for the interest aswell, but they didn’t close my account well not yet anyways. Or should I leave it as they have paid me and they haven’t closed my account. And they didn’t send me any conditions for me to sign just paid the money into my account £3,000 couldn’t believe it

You cant claim for the interest. You are only entitled to this once you issue a court claim. The bank has paid you 100% of what you are entitled to at this stage.

andrew2003

Rex_Mundi wrote:

You cant claim for the interest. You are only entitled to this once you issue a court claim. The bank has paid you 100% of what you are entitled to at this stage.

If I didn’t sign to any conditions and they have already paid me and not closed my account do you think they will leave it open now or could they close my account later.

Rex_Mundi

andrew2003 wrote:

If I didn’t sign to any conditions and they have already paid me and not closed my account do you think they will leave it open now or could they close my account later.

Hard to say. All the banks are reacting differently to this. There is a possibility that your bank may ask you to close your account sometime in the future because of this.

ejking

All
I sent the first letter to Bank of Scotland and they offered to pay half of the claims on telephone. No written confirmation from the Bank. I intend to post the second letter threatening to take them to court unless they settle in full. However I am stuck with the bit that says "INSERT NAME OF COURT". I live in Erith, Kent. Any idea of which courtname to insert?
Thank-you

Rex_Mundi

See post #6 in THIS THREAD to find your local county court.

garcherpal

I don't know if this has already been posted (I haven't got the time to go through 64 pages of posts!!) but here's an interesting bulletin from the Banking Code Standards Board to all members' (i.e. banks)Compliance Officers.

http://www.bankingcode.org.uk/bulletins/Bulletin%2021%2027%20Jul%2006%20PDF%20FINAL.pdf

In summary, it says that if a customer has claimed back unfair charges, it is likely (though not in all cases) that the individual is in financial difficulty and therefore should be treated sympathetically.
I hope this helps when negotiating your refunds.
All the best to everyone.

gaspt

We made a claim against NatWest on behalf of my partner who had incurred £350 in charges which they have repaid without so much as a whimper even though she has a graduate overdraft facility with them:j :j

neverheadgirl

Can anyone clarify whether I have a foot to stand on in terms of getting my charges repaid?

I currently have outstanding balances on both a loan and a credit card with an internet bank (I think they may even have been sold on to debt recovery agencies).
I am worried that they will now ask for the full amount outstanding on both the loan and the credit card.
Has anybody else had any experience with this?
I also have bank accounts, now closed, which I would like to claim back from. Barclays (to whom I owe about £1000) I think passed on my details as well to a debt recovery agency and it remains unpaid.
I would hate to shoot myself in the foot by making a big fuss about this (I am aware that all will have to be repaid, i just can't at the moment, i'd be happy in fact to use any money gained through this to pay off my outstanding debts)
Thanks to anyone able to help

nickyhutch

Halifax

Amount claimed: £3791 + interest + court fee = £4434
Amount paid: £4434

Sent DPA letter, they sent statements, I went through them, sent off the prelim letter, they offered £3165, I said no, I'll take it to court, sent my LBA, no response, I issued my MCOL, they acknowledged it 8 Jan, then paid up today, just as I was getting twitchy!

Thanks to the Consumer Action Group, and all the success stories on here that made me keep going and holding out for the full amount.

andrew2003

neverheadgirl wrote:

Can anyone clarify whether I have a foot to stand on in terms of getting my charges repaid?

I currently have outstanding balances on both a loan and a credit card with an internet bank (I think they may even have been sold on to debt recovery agencies).
I am worried that they will now ask for the full amount outstanding on both the loan and the credit card.
Has anybody else had any experience with this?
I also have bank accounts, now closed, which I would like to claim back from. Barclays (to whom I owe about £1000) I think passed on my details as well to a debt recovery agency and it remains unpaid.
I would hate to shoot myself in the foot by making a big fuss about this (I am aware that all will have to be repaid, i just can't at the moment, i'd be happy in fact to use any money gained through this to pay off my outstanding debts)
Thanks to anyone able to help

i claimed charges back off my bank and they were with a debt recovery company. but most of them will take the money off the debt you owe them instead of giving you the cash